Spain's largest expat community deserves specialist cover. We arrange insurance for expats in Alicante, Torrevieja, Orihuela Costa, Jávea, Moraira, Dénia, Calpe, Altea, Benidorm and beyond — seven days a week.
Get a Free Quote Call Us: +34 868 290 730The Region
The Costa Blanca — stretching along the Alicante province coastline from Dénia in the north to Torrevieja and Orihuela Costa in the south — is home to the largest concentration of expatriates anywhere in Spain. British, Dutch, German, Scandinavian, Belgian, and Irish communities have put down deep roots here over the past five decades, drawn by over 300 days of sunshine a year, affordable property, and a pace of life that is hard to match anywhere in Europe. Whether you live in a ground-floor apartment in Torrevieja, a villa on the hill above Calpe, or a townhouse in the old quarter of Dénia, the region offers an extraordinary quality of life.
With that settled life, however, come real insurance needs. Spain operates differently to the UK or northern Europe: residency requirements affect your health cover entitlements, Spanish vehicle registration rules apply within 30 days of becoming resident, and the local housing stock — a mix of ageing urbanisation apartments and modern detached villas — carries specific risks. Having insurance arranged by a agent who understands both the expat lifestyle and the Spanish insurance market is not a luxury; it is a practical necessity.
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Our team is available seven days a week. Call us on +34 868 290 730 (Spain), 0203 925 8884 (UK), or message us on WhatsApp. We can also arrange a call-back at a time that suits you.
Towns such as Torrevieja, Orihuela Costa, Jávea (Xàbia), Moraira, Calpe, Altea, and Villajoyosa each have distinct characters and slightly different risks — from the flood-prone ramblas around Orihuela Costa to the wildfire-risk hillsides above Jávea. Knowing the local landscape is part of what makes 247 Expat Insurance different: we are not a generalist agent reading from a script, we are specialists who understand the Costa Blanca.
Your Cover Explained
Whether you are a permanent resident, a part-time retiree, or the owner of a holiday home you visit three times a year, the Costa Blanca presents a distinctive set of insurance needs. Here is what you need to know about the main products and why the detail matters when you are living abroad.
Access to healthcare is one of the first questions expats ask when they arrive on the Costa Blanca, and rightly so. Spain has an excellent public health system — the Sistema Nacional de Salud — but entitlement to it depends on your status. EU citizens who are retired and receive a pension from their home country can access public healthcare using an S1 form. British residents post-Brexit need to establish residency and either access the public system through social security contributions or take out private health insurance. Digital nomads and those on non-lucrative visas are required by law to hold private health insurance as part of their visa conditions.
Private healthcare on the Costa Blanca is well-developed. The region has a mix of public and private hospitals serving the large expat population. Private health insurance gives you access to shorter waiting times, English-speaking consultants, and facilities that are accustomed to treating international patients. When selecting a policy, it is important to check that the insurer's network includes good coverage across the Alicante province — including hospitals in the north and south of the coast, not just in Alicante city itself. We work with a panel of leading health insurers and help you compare genuine hospital networks, not just headline premiums.
Pre-existing conditions are a particular concern for many expats who move to Spain in later life. We are experienced in arranging cover for clients with declared health conditions and in explaining clearly what is and is not included — there should be no surprises at the point of a claim.
Driving on the Costa Blanca has its own character. The N-332, which threads its way along the coast between Alicante and Valencia, is one of Spain's busiest secondary roads — shared by residents, tourists, lorries, and cyclists, often with mixed results. The AP-7 toll motorway offers a faster alternative but carries its own risks at speed. Local roads in the urbanisations above Calpe, Moraira, and Jávea can be steep, narrow, and poorly lit. Roundabout etiquette differs from the UK, and summer traffic in peak season is significantly heavier than at any other time of year.
Once you become a Spanish resident, you are required to register your vehicle in Spain within 30 days and insure it with a Spanish policy. This process — matriculación — is something many expats find daunting, but we can guide you through what you need. Spanish car insurance can be arranged as third-party only (obligatorio), third-party fire and theft, or comprehensive (a todo riesgo). For newer vehicles and financed cars, comprehensive cover is strongly recommended. We can also arrange breakdown cover and legal protection as add-ons.
The Costa Blanca housing stock is diverse: you will find everything from 1970s-built urbanisation apartments in Torrevieja to contemporary detached villas above Altea, and from traditional townhouses in the historic cores of Dénia and Jávea to sprawling fincas on the inland terraces. Each property type carries its own risks and requires careful assessment of the sum insured.
One of the most common mistakes expats make is underinsuring their property by relying on the purchase price or the market value rather than the rebuild cost. These can be very different figures, particularly for older properties where construction costs have risen significantly. We help you calculate the correct suma asegurada for your home so that you are not left short in the event of a claim.
Weather risk is a genuine consideration on the Costa Blanca. The region is susceptible to DANA events — intense low-pressure systems that can dump extraordinary volumes of rain in a short period, causing flash flooding in ramblas and low-lying areas. The devastating DANA of October 2024 across the Valencia region was a stark reminder of this risk. In the northern Costa Blanca, particularly the hillsides around Jávea, Dénia, and Benissa, wildfire risk is also present during dry summer months. A good home insurance policy covers these risks through the Consorcio de Compensación de Seguros mechanism, and we make sure you understand exactly how this works before you sign.
Many people who own property on the Costa Blanca are not permanent residents — they visit for several weeks a year and leave the property empty for the rest of the time. Standard home insurance policies are generally not designed for properties left unoccupied for more than 30 days. Holiday home insurance, by contrast, is specifically designed for second homes and investment properties: it covers extended empty periods, provides liability cover if guests are injured on the property, and can include cover for short-term rental activities if you let the property through platforms such as Airbnb or Booking.com. This is an area where having a specialist agent matters — the standard market simply does not cater well to the non-resident property owner.
Even when you live in Spain, you still need travel insurance when you visit the UK, travel within Europe, or go further afield. Expat travel insurance — as distinct from a tourist policy — is designed for people whose primary residence is Spain. It covers medical emergencies abroad, trip cancellation, and personal liability, and can be arranged as an annual multi-trip policy. We arrange travel insurance that recognises your Spanish residency and does not fall apart at the claims stage because you "should have been covered by your home country policy."
Our Products
Private healthcare in English. Access to consultants and hospitals across Alicante province.
Explore HealthSpanish-registered vehicle cover for residents. Comprehensive, TPFT, and third-party options.
Explore CarVillas, apartments, and holiday homes. Correct rebuild values and weather risk cover.
Explore HomeAnnual multi-trip cover for Spanish residents travelling back to the UK or worldwide.
Explore TravelTell us what you need. We compare insurers and present you with clear options in English.
Get a QuoteFAQ
If you are a resident, Spanish law requires you to have sufficient health cover to obtain or renew your residency — and many expats opt for private health insurance rather than relying solely on the public system. Private cover gives you faster access to specialists, English-speaking doctors, and private hospitals in and around Alicante without long waiting lists.
Yes. A standard home insurance policy will not adequately cover a property left empty for extended periods. Holiday home insurance covers periods of absence — typically 30, 60, or 90 days or more — and can include contents cover, liability cover for guests, and protection against risks such as water damage and break-ins while the property stands empty.
Spanish law requires all vehicles registered in Spain to hold at least third-party liability cover. Once you establish residency you must register your vehicle in Spain within 30 days. We can arrange comprehensive or third-party policies for Spanish-registered vehicles, and advise on cover for driving on the N-332 coastal road and the AP-7 toll motorway.
A DANA (Depresión Aislada en Niveles Altos) is a cut-off low pressure system that can cause intense, sudden rainfall and flash flooding, particularly in autumn. Standard Spanish home insurance usually includes cover for extraordinary risks through the state-backed Consorcio de Compensación de Seguros, but policy wording varies — we make sure you understand exactly what your policy covers before you need to make a claim.
Absolutely. We are a specialist agent and can arrange health, car, home, travel, and life insurance all in one place, with English-speaking advice throughout. We work with leading Spanish and international insurers to find you competitive cover, and we are available seven days a week if you need help with claims, renewals, or policy questions.
Not when you use 247 Expat Insurance. Our team is English-speaking and handles all insurer communication on your behalf. We explain your policy in plain English, help you through the claims process, and are available by phone, WhatsApp, or email seven days a week. Our contact numbers cover Spain, the UK, and the USA.
Speak to an English-speaking specialist today. We are available seven days a week by phone, WhatsApp, and email — and we can have a quote ready faster than you might expect.
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